Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$91,862Cash toward the purchase price.
Closing costs + prepaids$19,006Not just lender fees.
Before credits & paid funds$110,868The complete starting cash picture.
Estimated remaining funds due at closing
$110,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,861.54
Your down payment$91,861.54
Closing costs + prepaids$19,006.22
Total buyer cash needed$110,867.76
Remaining funds due$110,867.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,915.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$973.50
Initial HOA (3 months)$207.00
Prepaid interest, first (25 days)$2,692.02
Fees + prepaids$19,006.22
Your down payment is the seller’s equity. You take over the $583,138 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $110,867.76 is due at closing. Uses and sources reconcile at $694,006.22 each. Not a Closing Disclosure.